Bank Statement Loans for Real Estate Investors
Flexible financing that looks at your cash flow— not just your tax returns.

Why Bank Statement Loans?

Traditional financing often hinges on W-2 pay stubs and tax returns—but many real estate investors are self‑employed, own multiple entities, or use complex tax strategies. Bank Statement Loans give you an alternative path: qualifying based on your actual deposited cash flow.

✅ Who Benefits from a Bank Statement Loan?

  • Self-Employed Investors with inconsistent or difficult-to-document tax returns

  • Portfolio Landlords looking to add properties without triggering income‑verification hassles

  • Small-Business Owners whose reported taxable income is lower than their true cash flow

  • 1099 Contractors and consultant‑investors without W-2s

How It Works

  1. Documented Cash Flow

    • Provide your most recent 12–24 months of personal or business bank statements.

    • Underwriters calculate an average monthly deposit figure, then apply a debt‑service multiplier (typically 50–70%) to determine your qualifying income.

  2. Simplified Eligibility

    • No tax returns required for income calculation.

    • No rigid DTI caps—instead, your bank‑statement‑derived income must comfortably cover your PITIA (principal, interest, taxes, insurance, HOA) payment.

  3. Property Types Supported

    • Single‑family rentals, condos, and townhomes

    • Multi‑unit 2–4‑unit investment properties

    • Short‑term rental scenarios (subject to occupancy and local regulations)

📋 Key Features & Requirements

Benefits for Investors

  • True Income Representation: Bank statements show your real cash flow, often higher than taxable income.

  • Faster Closings: Skip lengthy tax‑return reviews; focus on your bank‑statement summary.

  • Higher Leverage: Competitive LTVs let you acquire more properties with less cash down.

  • Flexibility: Qualify even if you’ve taken tax deductions, depreciation, or have real estate losses on your returns.

How Parish Lending Makes It Simple

  1. Personalized Consultation
    We review your portfolio and bank statement profile to recommend the best non‑QM bank statement program.

  2. Streamlined Documentation
    Our specialists package your statements and analyses to meet underwriting requirements—no guesswork.

  3. Competitive Pricing
    We negotiate rates and terms to optimize your cash flow, ensuring the loan aligns with your investment strategy.

  4. Closing & Beyond
    From application through funding, we keep you informed and on schedule. Then, we’re here for your next acquisition.

Ready to Leverage Your Cash Flow?

Don’t let tax‑return complexities slow your investing. Bank Statement Loans can unlock more purchasing power—quickly and transparently.